What is the true cost of buying an apartment in Ulladulla?

The median apartment in Ulladulla is $485,000. Including stamp duty ($16,355), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $41,924, or $3,494/month.

What does it really cost to buy a house in Ulladulla?

The median house in Ulladulla is $875,000. True first-year cost including stamp duty ($33,905), rates, insurance, maintenance, and mortgage repayments is approximately $62,563.

What is the vacancy rate in Ulladulla?

Ulladulla currently has a vacancy rate of 1.8%. Properties average 42 days on market.

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True Cost of Buying in Ulladulla

2539 NSW · 230km to CBD

Stable

A decision, not just a search · Ulladulla

Does the lower estimated monthly cost make a property the better buy?

Only under the assumptions entered—and cost is not the whole decision. This model compares scenarios, not lender approval, building condition or personal suitability. Replace defaults with current quotes and documents, then test whether the cost remains manageable when circumstances change.

Questions that could change the answer

Which costs are current supplied figures, and which are model defaults?
What happens to your buffer if interest, repairs or vacancy costs rise?
What finance, contract or inspection condition remains unresolved before an offer?

Evidence to obtain—not yet verified here

Current lender terms and approval conditions, not only a borrowing estimate.
Dated levy notices, rates, insurance quotes and maintenance information.
Contract advice, inspection findings and comparable sales evidence.

Other options: Lower the price limit, compare another property or wait for critical checks. A favourable model result is not a recommendation to make an unconditional offer.

Next action: Re-run the existing calculator with documented inputs, then agree your conditions and walk-away point with the relevant professionals.

When to revisit: Revisit when any input, approval condition, price or property finding changes.

General decision guidance—not a property assessment, personal recommendation or verified client result. Dates on surrounding market content apply to that content, not to checks on your property.

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Market Intelligence

Ulladulla is a vibrant coastal town situated on the NSW South Coast approximately 230km south of Sydney, serving as the primary service hub for the broader Shoalhaven region. The town is anchored by its working fishing harbour, world-class beaches including the renowned Mollymook Beach, and a strong coastal lifestyle culture that continues to attract sea-changers, retirees, and lifestyle-focused buyers from Sydney and Canberra. The property market has demonstrated exceptional resilience and growth, with median house prices reaching $875,000 and five-year capital growth of 45.8%, underpinned by constrained land supply between the Pacific Ocean and the Illawarra Escarpment. Verified comparable sales data from NSW Valuer General records confirm premium pricing in prestige coastal pockets, with recent transactions on South Pacific Crescent ranging from $1.56M (82 South Pacific Crescent, Apr 2026) to $2.20M (67 South Pacific Crescent, Oct 2025), reflecting strong demand for quality coastal homes. The demographic profile skews older than the NSW average, with a median age of 52 years reflecting the significant retiree and semi-retiree population drawn by the relaxed coastal lifestyle. The rental market remains extremely tight with a vacancy rate of just 1.8%, driven by competition between long-term renters and short-term holiday accommodation operators, supporting solid rental yields of 4.2% for houses and 5.1% for units. Infrastructure limitations, particularly the absence of passenger rail and reliance on the Princes Highway, remain the town's primary constraint on growth, though the completed NBN rollout and improving digital connectivity have supported remote work migration. With an investment score of 78 and growth potential of 82, Ulladulla presents a compelling proposition for investors and owner-occupiers seeking coastal lifestyle assets with genuine long-term capital growth credentials, particularly as Sydney buyers continue to seek affordable alternatives along the South Coast corridor.

Prime coastal location with direct beach access, working harbour, and Mollymook Beach rated among NSW's finestStrong and sustained capital growth with 45.8% five-year house price appreciation reflecting structural undersupplyExceptionally tight rental market with 1.8% vacancy rate supporting strong rental yields of 4.2-5.1%Diverse demand base combining permanent residents, retirees, sea-changers, and holiday home investors providing market resilienceVerified prestige sales evidence with South Pacific Crescent transactions up to $2.20M confirming premium market depth

Market Snapshot

Median House

$875K

+12.5% 1yr

Median Apartment

$485K

+10.8% 1yr

Median Townhouse

$695K

Vacancy Rate

1.8%

42 avg DOM

Yield (Apartment)

5.1%

Yield (House)

4.2%

Auction Clearance

72%

Population

6,200

True Cost Breakdown

Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier

Apartment

$3,494/mo

Purchase Price

$485,000

Stamp Duty

$16,355

1st Year Total

$41,924

House

$5,214/mo

Purchase Price

$875,000

Stamp Duty

$33,905

1st Year Total

$62,563

Townhouse

$4,356/mo

Purchase Price

$695,000

Stamp Duty

$25,805

1st Year Total

$52,268

Run Your Own Numbers

These are median figures. Plug in the actual property you're looking at to see your real all-in cost — including first-home concessions, investment deductions, or different deposit amounts.

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